Subject: RE: Declines
From: "Lynch, David" <[email-masked]>
To: "Mike" <[email-masked]>
Date: Mon, 17 Dec 2007 10:45:54 -0700

Michael, The CVV2 Number is a important to the banks since in most cases
when it is used the individual has the card in their hand, or had the
card in their hand at one time.  

The banks use modeling systems much like the one that we turned off here
at PayPal that looks at each transaction in a sub-second and uses what
all of the information that is presented to make a determination.  The
more data the more the system has to work on and from what my engineers
are telling me CVV2 present will help you get less declined cards.  

I think it would be a good idea to include that number in your input. 

David Lynch
Enterprise Account Management 
PayPal - The safer, easier way to pay online
12312 Port Grace Blvd, La Vista, NE 98128
Direct  402 952 8848  |  Cell  402 253 5570
Skype  dvdlynch  |  Fax  402 537 5790  

-----Original Message-----
From: Mike [mailto:[email-masked]] 
Sent: Monday, December 17, 2007 10:57 AM
To: Lynch, David
Subject: Re: Declines

David,
We do not currently ask for the code on the back of the credit cards.
Is 
this a requirement now or could this be something that is being required

more strictly by the banks.  Let me know your thoughts on this.
Thank you,
Mike - LLPS

----- Original Message ----- 
From: "Lynch, David" <[email-masked]>
To: "Mike" <[email-masked]>
Sent: Friday, December 14, 2007 5:42 PM
Subject: RE: Declines

Here is what I found online.

Possible causes of 10752 include:

* There was a problem with the card security code or AVS on the card
* There is a problem with the buyer
* The transaction was denied by the card issuer
* The transaction was considered to be too high risk

* The best way to deal with the error is to inspect the CVV2 and AVS
codes 
that are returned along with the 10752 error. To find out the meanings
of 
the various CVV2 and AVS codes, Click Here 
<https://ppmts.custhelp.com/cgi-bin/ppdts.cfg/php/enduser/std_adp.php?p_
faqid=123&p_sid=6PQC7dTi&p_lva=181&p_accessibility=0&p_sp=cF9zcmNoPTEmcF
9zb3J0X2J5PSZwX2dyaWRzb3J0PSZwX3Jvd19jbnQ9MiZwX3Byb2RzPTAmcF9jYXRzPSZwX3
B2PSZwX2N2PSZwX3BhZ2U9MSZwX3NlYXJjaF90ZXh0PTEwNzUy&p_li=#> 
If the buyer's transaction has been denied, the buyer may still be able
to 
perform the transaction by using a different card.

David

________________________________

From: Mike [mailto:[email-masked]]
Sent: Fri 12/14/2007 2:16 PM
To: Lynch, David
Subject: Declines

David,
We got a few declines today.  One was at 10:43 am and came up declined 
10752.  Another was at 11:02 am saying "acquiring or missing bank 
unavailable".
Thank you,
Michael Bishop
Labor Law Poster Service
Phone 877-321-4144
Fax 888-442-4144
[email-masked]